Your best adjusters shouldn't spend their day chasing incomplete claims.
Catch incomplete and inconsistent property claims before they reach your adjusters.
Incomplete claims waste time. Inconsistent claims waste money.
A missing field costs you a follow-up email. That is the cheap failure.
The expensive one is the claim that looks finished but doesn't hold together. The stated peril doesn't line up with the damage described. The loss date sits outside the policy term. The ACORD form says one thing, the email narrative says another. That claim doesn't get bounced. It gets assigned, worked, and unwound later, after your adjuster has already spent hours on it.
Average property claim, first notice of loss to final payment.
Even in a strong year for the industry.
Reduction in not-in-good-order claims and the rework they cause.
One carrier engagement, after standardizing intake data.
Most of the friction that stretches a file enters at intake, in the first hours, when a claim arrives that isn't ready to work. Better information up front is what moves that number. The same analysis found 60% of identified savings sat in claims leakage, with intake data quality named as a specific driver.2
1 J.D. Power 2026 U.S. Property Claims Satisfaction Study.
2 The Lab Consulting, insurance carrier claims-operations case study.
Two gates, one pass.
Completeness
Is everything your rules require actually there? Insured, policy number, date of loss, address, peril, and the documents and photos your book demands for that peril. Not a generic checklist. Yours.
Consistency
Does the claim agree with itself? Quixas reads the whole package together and checks that:
- The stated peril is consistent with the damage described in the narrative and shown in the photos
- The loss date falls inside the policy term
- The ACORD form, the email, and the attachments tell the same story
- Names, addresses, and policy details line up across every document in the package
A field checker catches the first kind of problem. Catching the second takes cross-document reading against rules that encode how your best adjusters judge a file. That is what Quixas runs.
Unstructured inputs in. Checked claims out.
Quixas reads raw inputs from your channels and returns checked, ready-to-work claims, or flags exactly what is missing or what doesn't line up.
Read The Whole Package
A forwarding rule sends the FNOL in. Quixas reads the email, the ACORD form, and the attachments together, as one claim, not as separate files.
Checked Against Your Rulebook
Required fields confirmed, and every document cross-checked against the others. Peril against narrative. Loss date against policy term. Form against email.
Complete, Consistent Claims Routed On
Claims that pass flow straight to the assigned adjuster. Claims that do not come back flagged, with the reason and a drafted follow-up.
Secure property claims ingestion.
Watch it catch a claim that looks fine.
The gate reads a claim, runs the checks, and returns a verdict with the reason attached. Open the live simulator to step through a real sample.
Held for review: the narrative describes interior water damage, but the stated peril is hail with no roof breach documented. The attic photo your hail rule requires is also missing. The gate drafts the follow-up; your team sends it.
Three steps.
It receives the claim
By a forwarding rule from your intake mailbox, or by secure upload.
Checks consistency and completeness
Against rules built around your book. Every document in the package read against the others. Nothing touches your core systems.
Your team gets the verdict
Complete, consistent claims flow on. Flagged ones come back with the reason and a drafted follow-up. A human decides what happens next.
Why not just build this yourself?
You could. An email parser and a field checker is a weekend project. Firms that try it hit the same wall: the checker is easy, the rules are hard.
How we build your rulebook- Deciding what complete and consistent mean for a Florida wind claim versus a Texas hail claim
- Keeping that current across carrier programs and storm seasons
- Defending it when a carrier audits your intake
That is the work we do, with your senior adjusters, written down as rules you can read and challenge.
Firms that own their FNOL intake.
Run Quixas on last month's FNOLs.
Forward a sample of your historic FNOLs. We build your rulebook from your own claims and your own adjusters' judgment, then show you exactly which claims the gate would have flagged, and why. Including the ones that looked complete but weren't consistent.
It begins with a $2,500 onboarding that covers your first 30 days, with no subscription fee. After 30 days, you decide whether to continue. Refund terms are in our Refund & Cancellation Policy.